Everyone has heard the horror stories about credit cards and America’s ever increasing reliance on them. Demonized in most articles as a burden to the average American, a tool to steal money from the poor, and a tempting tool that will drive America into bankruptcy. So are they really that bad? Is it the credit […]

After my fiancé and I split three years ago, I was forced into bankruptcy. Several thousands of dollars in debt and a breached apartment lease left me scrambling to find ways to pay the creditors and fix my plummeting credit score. Unfortunately, the lifestyle we were living with both of our incomes exceeded what I […]